股票代码：601328 股票简称：交通银行 编号：临 2025-033 杨涛先生的简历，详见本公司于 2025 年 3 月 22 日在上海证券交易所网站 （www.sse.com.cn）发布的《交通银行股份有限公司第十届董事会第二十一次会 议决议公告》（编号：临 2025-007）。 特此公告 交通银行股份有限公司董事会 2025 年 4 月 27 日 交通银行股份有限公司 关于高管任职资格获监管机构核准的公告 交通银行股份有限公司（以下简称"交通银行"或"本公司"）董事会及全体董事保证 本公告内容不存在任何虚假记载、误导性陈述或者重大遗漏，并对其内容的真实性、准确性 和完整性承担法律责任。 本公司收到《国家金融监督管理总局关于杨涛交通银行副行长任职资格的批 复》（金复〔2025〕256 号），杨涛先生任本公司副行长的任职资格获国家金融监 督管理总局核准生效。 ...

紧扣2025年《政府工作报告》金融改革新方向，交通银行青岛分行将围绕青岛市谋划推进的"10+1"创新 型产业体系、"4+4+2"现代海洋产业体系、十大现代服务业、国际航运中心等重点领域，上合示范区、 青岛自贸区、青岛都市圈、胶东经济圈等重点区域精准发力，持续注入金融活水，推动资金链与创新 链、产业链深度融合，推动金融资源与项目需求精准匹配，助力青岛市将产业"规划图"变成"施工图"， 为推动青岛市经济社会高质量发展注入强劲的金融动能。 协同赋能 打造集团作战新范式 2025年4月28日，"金融赋能新经济，融资融智创未来"交通银行青岛分行支持青岛经济高质量发展大会 将在青岛国际会议中心举行，青岛市政府相关领导、200余家青岛市优质企业受邀参加，共同擘画产融 结合新蓝图。 精准施策 构建产融共生新生态 依托交通银行的集团全牌照优势，青岛分行将与交银金租、交银投资等子公司，以及境外分行协同联 动，争取更多金融资源向青岛倾斜聚集，通过"商行+投行"、"表内+表外"、"境内+境外"的金融资源联 动互补，为客户提供全链条、全周期和全方位的一揽子综合金融服务方案。 科技引领 开启数字金融新篇章 未来，交通银行青岛分行将深入践 ...

Core Viewpoint - The Bank of Communications Zhanjiang Branch has launched ten financial measures to support the employment and entrepreneurship of veterans, with a total credit issuance of 18 million yuan to two military-related enterprises [1][5][7]. Group 1: Financial Measures - The ten measures include establishing a long-term cooperation mechanism among government, banks, and enterprises, with an annual financing allocation of 700 million yuan, including 200 million yuan for individual entrepreneurship and 500 million yuan for enterprise development [3][12]. - Innovative financial service models will be introduced, such as pure credit inclusive financial products, priority service windows, and green financing solutions like carbon emission rights pledging [3][12]. - A digital empowerment platform will be constructed to precisely match the needs of veterans using big data, creating a dedicated financial service ecosystem for them [3][11]. Group 2: Credit Issuance - The Zhanjiang Branch has granted credit of 10 million yuan to Guangdong Baijia Telecom Cable Industry Co., Ltd. and 8 million yuan to Zhanjiang Letian Agricultural Technology Co., Ltd. [5][7]. - The bank aims to provide comprehensive and diversified financial service support to veterans, eliminating information barriers in financial services [7][9]. Group 3: Strategic Goals - The Zhanjiang Veterans Affairs Bureau emphasizes the importance of financial institutions in enhancing service systems for military entrepreneurship, particularly in rural revitalization and technological innovation [9][11]. - The measures highlight the importance of technology empowerment, with plans to offer free digital tools through the "Yue Lian Jiao Rong" platform and to create diverse financing channels in collaboration with investment institutions [11][12].

2024 創造共同 價 值 創造共同 價 值 交 通 銀 行 股 份 有 限 公 司 2 0 2 4 年 度 報 告 交 通 銀 行 股 份 有 限 公 司 （於中華人民共和國註冊成立的股份有限公司） 地址及郵編 中國上海市浦東新區銀城中路188號 200120 www.bankcomm.com www.bankcomm.cn 交 通 銀 行 股 份 有 限 公 司 2 0 2 4 年 度 報 告 交 通 銀 行 股 份 有 限 公 司 （於中華人民共和國註冊成立的股份有限公司） 地址及郵編 重要提示 一、本行董事會、監事會及董事、監事、高級管理人員保證年度報告內容的真實、準確、完整，不存在虛假記 載、誤導性陳述或重大遺漏，並承擔個別和連帶的法律責任。 二、本行第十屆董事會第二十一次會議於2025年3月21日審議批准了交通銀行股份有限公司2024年度報告及摘 要。出席會議應到董事18名，親自出席董事17名，委託出席董事1名，廖宜建非執行董事因其他公務，書 面委託陳紹宗非執行董事出席會議並代為行使表決權。 三、本行董事長任德奇先生、主管會計工作負責人周萬阜先生及會計機構負責人陳隃先生聲明：保證年度報告 中財務報 ...

4月23日，国家金融监督管理总局浙江监管局发布6则批复，同意交通银行太平洋信用卡中心6家分中心终止营业。 风险方面，交通银行年报显示，截至2024年末，该行信用卡不良贷款总额为125.90亿元，不良率为2.34%，较2023年末 上升0.42个百分点。 交通银行在年报中指出，推进信用卡属地经营转型，健全高质量发展的体制机制保障，增强经营发展动力和活力。交通 银行副行长周万阜亦在业绩会上表示，"出于更好满足客户一体化综合金融服务的需要，同时也是为了更好适应信用卡 业务发展的新阶段要求，我行将信用卡业务模式进行了改革，由过去的集中直接经营，改为分行属地经营，即由分行为 属地客户提供一站式的综合化的金融服务，将信用卡业务纳入到手机零售业务中进行统一经营。" 来源:金融界 据央行发布的《2024年支付体系运行总体情况》，全国共开立银行卡99.13亿张，同比增长1.29%。其中，借记卡91.86亿 张，同比增长1.84%；信用卡和借贷合一卡7.27亿张，同比下降5.14%，一年减少4000万张。 交通银行发布的2024年年报显示，截至2024年末，该行境内银行机构信用卡在册卡量6300.94万张，较2023年末减少 8 ...

Group 1 - The banking sector has seen 9 stocks reach historical highs this month, including major state-owned banks like ICBC, ABC, and CCB, with significant year-to-date gains [2][4] - The banking sector index rose by 1.16% on April 24, outperforming the market, with notable increases in stock prices for major banks [2][3] - The overall performance of the banking sector improved significantly in Q4 of the previous year, with 33 out of 36 banks reporting year-on-year profit growth [4][5] Group 2 - The total cash dividends announced by banks for 2024 have reached a record high of 6,161.26 billion yuan, surpassing the previous year's total [6][7] - Major banks like ICBC, CCB, and ABC have declared dividends exceeding 500 billion yuan, contributing to the sector's reputation for high dividends [6][7] - Ningbo Bank reported the highest year-on-year increase in dividends at 50%, indicating a strong commitment to shareholder returns [7]

《行动方案》着眼于更好发挥上海国际金融中心在服务构建新发展格局中的特殊作用，支持各类主体更 加安全、便捷、高效参与国际竞争与合作，从提高跨境结算效率、优化汇率避险服务、强化融资服务、 加强保险保障、完善综合金融服务等五方面提出18条重点举措。 4月23日，人民银行党委委员、副行长陆磊在新闻发布会上表示，《行动方案》将有力支持企业"走出 去"，促进经济高质量发展。为推动该方案的有效落地，交通银行方面在4月24日接受《华夏时报》记者 独家采访时称："交行第一时间深入研究《上海国际金融中心进一步提升跨境金融服务便利化行动方 案》政策要求，逐条细化推进落实。持续提升对'走出去'企业和'一带一路'建设的金融支持能力，服务 上海国际金融中心建设。" 上海推出18条重磅措施 为深入贯彻落实习近平总书记考察上海重要讲话和中央金融工作会议精神，深化金融制度型开放，加大 金融支持"走出去"企业和"一带一路"建设力度，中国人民银行、金融监管总局、国家外汇局、上海市人 民政府联合印发了《行动方案》。 华夏时报（www.chinatimes.net.cn）记者 耿倩 上海报道 上海再启征程，引领跨境金融探索新潮流。 日前，中国人民银行 ...

Dividend Distribution - The company plans to distribute a cash dividend of RMB 0.197 per share to ordinary shareholders, totaling RMB 14.63 billion based on 74.263 billion shares outstanding[5] - The company reported a cash dividend distribution of RMB 0.182 per share for the first quarter of 2025[5] - Cash dividend distribution for 2023 is RMB 0.375 per share, maintaining a dividend payout ratio above 30% for 12 consecutive years[32] - The company plans to implement a mid-term dividend policy starting in 2024, with a cash dividend of RMB 0.182 per share[32] Financial Performance - Net interest income for 2024 reached RMB 169,832 million, a slight increase from RMB 164,123 million in 2023[24] - Net fee and commission income decreased to RMB 36,914 million in 2024 from RMB 43,004 million in 2023, representing a decline of approximately 14.5%[24] - Total assets increased to RMB 14,900,717 million in 2024, up from RMB 14,060,472 million in 2023, marking a growth of about 6%[24] - Customer loans rose to RMB 8,555,122 million in 2024, compared to RMB 7,957,085 million in 2023, reflecting an increase of approximately 7.5%[24] - Net profit attributable to shareholders reached RMB 93,586 million in 2024, slightly up from RMB 92,728 million in 2023, indicating a growth of about 0.9%[24] - The non-performing loan ratio improved to 1.31% in 2024 from 1.33% in 2023, showing a positive trend in asset quality[24] - The capital adequacy ratio increased to 16.02% in 2024, up from 15.27% in 2023, indicating stronger capital position[24] - Annual operating revenue grew by 0.87% year-on-year, while net profit attributable to the parent company increased by 0.93%[38] Risk Management - The company faces various risks including credit risk, market risk, operational risk, and compliance risk, and has implemented measures to manage these risks effectively[5] - The company emphasizes the importance of risk awareness regarding forward-looking statements and plans[5] - The bank's strategic focus includes risk management and maintaining financial stability while serving the real economy[21] - The company aims to strengthen risk management capabilities, achieving a provision coverage ratio exceeding 200%[32] Market Presence and Expansion - The company is focused on expanding its market presence and enhancing its product offerings in the financial services sector[12] - The bank aims to build a world-class banking group with a focus on green finance and digital transformation[20] - The bank is expanding its financial services network along the "Belt and Road" initiative, including the establishment of a branch in Dubai[28] - The company is committed to creating shared value and enhancing its corporate governance practices[4] Customer Base and Services - The bank serves 2.84 million corporate clients and 199 million retail customers through over 2,800 domestic branches and 24 overseas branches[20] - The company operates under the brand "Yuntong" for its digital services, aiming to meet customer needs through online service models[12] - The company has a unified brand for inclusive finance services, including online and offline products[12] - The retail customer base grew to 199 million, with high-end customers increasing by 9.86% to 2.75 million[137] Asset Management and Loans - The bank's asset management capabilities have been recognized with a five-level certification in Data Management Capability Maturity Model (DCMM)[23] - The total assets of the group reached CNY 14.90 trillion, an increase of 5.98% compared to the end of the previous year[46] - Customer loan balance increased by CNY 598.04 billion, with a growth rate of 7.52%[46] - Corporate loans amounted to CNY 5,566.58 billion, up CNY 387.05 billion or 7.47%[83] - Personal loans totaled CNY 2,752.41 billion, an increase of CNY 279.31 billion or 11.29%[83] Technology and Innovation - The company aims to enhance its digital finance capabilities through the establishment of a digital finance committee and the integration of AI technologies[126] - The company has launched new wealth management products, including commercial pension insurance and family service trusts, to meet customer needs[141] - The company has issued financing amounting to CNY 306.142 billion through its open banking online chain financial services, reflecting a year-on-year growth of 45.04%[180] Awards and Recognition - The bank has received multiple awards, including the first prize for Financial Technology Development from the People's Bank of China[23] - The bank is committed to providing high-quality financial services and creating more value for shareholders[21] - The company has been awarded the "Best Financial Institution for Green Finance Cases" for 2024, highlighting its commitment to sustainable finance[124] International Operations - The company has established 24 overseas branches and representative offices in major cities including Hong Kong, New York, and London, with a total of 66 overseas business outlets providing comprehensive financial services[169] - The company expanded its cross-border e-commerce platform, with the volume of foreign-related guarantees increasing by 99.37% year-on-year[168] - The cross-border RMB settlement volume reached CNY 1.94 trillion, representing a year-on-year growth of 2.15%[170]

根据统计，截至4月23日，已经有36家银行披露了分红计划，分红总额为6161.26亿元，这其中包括去年 超2300亿元的中期分红。 分红大户 从本周开始银行分红季正式开启。4月20日，中国银行发布公告显示，中国银行A股每股派发2024年末 期现金红利0.1216元（税前，下同），股权登记日为4月24日，除权（息）日为4月25日，现金红利发放 日为4月25日。 华福证券分析称，观察近3年不同类型上市银行现金分红情况，国有大行保持稳定的高现金分红比例， 近3年现金分红比例均超30%；股份制商业银行近3年平均现金分红比例逐年提升，2023年达到29.4%； 城商行近3年平均现金分红比例有所下滑，2023年平均现金分红比例为24.8%；农商行现金分红比例为 各类银行中最低，2023年平均现金分红比例为22%。 值得注意的是，中国银行此次年度分红落地明显早于往年。数据显示，中国银行自2006年在A股上市以 来，年度分红派息时间均在6月至7月。 根据分配方案，中国银行2024年末期利润分配以方案实施前的该行普通股总股本2943.88亿股为基数， 每股派发现金红利0.1216元，共计派发现金红利357.98亿元。其中，A股 ...

金价狂飙还在继续。 国际黄金市场表现强势，推动商业银行积存金业务频繁调整。4月22日，中国银行、建设银行同日发布了积存金业务的公告。中国银行将积存金最小购买金额由750 元调整为850元，建设银行则发布贵金属业务市场风险提示公告。 农业银行同时发布提示，近期贵金属价格持续大幅波动，市场风险上升，请客户关注持仓风险，合理控制持仓规模。 持续创下历史新高 月内两度上调 4月22日，中国银行发布公告称，根据人民银行《黄金积存业务管理暂行办法》规定，参考当前市场情况，该行将于2025年4月23日起调整积存金产品的购买条件， 按金额购买积存金产品或创建积存定投计划时，最小购买金额由750元调整为850元，追加购买金额维持200元整数倍不变。 券商中国记者发现，这已经是中国银行月内第二次上调积存金产品购买起点金额，两次调整幅度相当。4月1日，该行将积存金最小购买金额由700元调整为750元。 除了中国银行外，同日，建设银行发布贵金属业务市场风险提示公告。 建设银行表示，近期国内外贵金属价格波动加剧，市场风险提升。请客户提高贵金属业务的风险防范意识，合理控制仓位，及时关注持仓情况和保证金余额变化情 况，理性投资。 据券商中 ...